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Zopa: Credit card reviews

Name: Credit card
Rating: 4.87 (44348 reviews)

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4.87

Based on 44,348 reviews, last reviewed 25th Jun 2026

74% decrease in 5 star reviews

in the past 90 days

No new 1 star reviews

in the past 90 days

94%

Latest highest rating:

5

Decent app-managed card, support needs to catch up A solid card for building your credit profile, managed entirely through the app which suits me. The one area that needs work is customer support — res... Read more Reviewed on: 25th June 2026

Latest lowest rating:

1

Perfect choice. Perfect choice. Best company, they are paying off their loans, Reviewed on: 16th April 2026

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About this product

Zopa is an award-winning credit card provider.

You can apply for a Zopa credit card online and manage your account in the Zopa app. You’ll get instant payment notifications and the Credit Cushion feature lets you set aside some of your available credit card balance.

Zopa credit card reviews help you find out what it’s really like to be a customer. If you’ve used Zopa before, you can also leave a review and share your experience.

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Awards

Best credit card provider 2025

Awarded to the credit card provider rated highest in customer reviews.

Zopa Credit card reviews (44348)

Excellent service and fast service and a clear app t...

Excellent service and fast service and a clear app that is easy to navigate. Never had any kind of an issue. Never had to contact them but I would imagine the service is amazing. Reviewed on: 6th March 2026

Brilliant

Can’t fault never had a problem would recommend Reviewed on: 6th March 2026

Excellent , good customer service

Excellent , good customer service Reviewed on: 6th March 2026

Generally decent experience, so far

For my circumstances, zoopa has been fine. I didn't need or particularly want a credit card, but was advised it helps strengthen credit scores. The ability to set this to my needs grants a sense of control. Only downsides are that the system is old and doesn't allow for me to add my title, so I haven't been able to explore other services. The CS side has felt AI or scripted, but overall, UX has been positive for me. Reviewed on: 6th March 2026

Accepted me when everyone else said no.

Accepted me when everyone else said no and now I'm rebuilding my credit score. Reviewed on: 6th March 2026

Fuss free easy to use just an overall brillycard

Fuss free easy to use just an overall brillycard Reviewed on: 6th March 2026

Tip top user friendly

Everything about using this card is so simple and communication with the team is excellent, I love the flexibility of use Reviewed on: 6th March 2026

I am very happy to use Zopa account which helps me o...

I am very happy to use Zopa account which helps me out on hard times Reviewed on: 6th March 2026

I find their very pleasant and use of the app is wi...

I find their very pleasant and use of the app is with ease Reviewed on: 6th March 2026

Easy to use and affordable.

Easy to use and affordable. Signing up is stress free and a fast process. Email reminders for your payment date are helpfull. Credit increase options are fair and you are alerted when available. Reviewed on: 6th March 2026

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